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    Credit Card Application

    The DBS Live Fresh Student Card offers a credit limit of S$500 and has no income requirement to be eligible for the card. If you are an undergraduate student looking for a cashback card, you can consider applying for this credit card. This card comes with new designs from Mr. Sabotage, the renowned sneaker artist.

    Card Highlights
    • Earn cashback on all eligible transactions.
    • Use this card as an EZ-Link card and an ATM card.
    • Receive cashback on Visa payWave and online transactions.

    Best suited to: Undergraduate students.

    Key Features

    Features Description
    Annual fee S$128.40 (waived for 5 years)
    Cashback on retail spends (online shopping, Visa payWave transactions, and other spends) 0.3%
    Complimentary Travel Insurance Not available

    Joining Perk

    Apply for this card and have it approved before 30 June 2018 to enjoy S$20 discount on your Foodpanda order. You must charge at least five retail transactions to your card within one month of card approval.

    This promotion is applicable to new cardmembers.

    Additional Benefits

    • Pay for your purchases through Apple Pay, Google Pay, and Samsung Pay.
    • This card is automatically registered for EZ-Reload. The EZ-Reload amount is set at S$40.
    • Activate the EZ-Reload feature to use the card as an EZ-Link card.
    • Link your card to your DBS savings account and use the card as an ATM card.
    • Upgrade to DBS Live Fresh Card when you earn a minimum of S$30,000 annually.
    Check out our DBS credit cards promotions page to know about a list of offers.

    Earn Cashback

    • Get 0.3% cashback on all eligible transactions. There is no minimum spend requirement.
    • The cashback amount is capped at S$60 per month.
    • The amount will be credited to your card account on the 30th calendar day of the following month.

    Let Us Illustrate:

    Let’s say you have spent S$500 in a month on retail purchases. You will get 0.3% on all spends. Hence, the amount of cashback you will earn is shown in the table below:

    Spend Categories Total monthly Spend Cashback Rate Total Cashback Amount
    On all spends including online shopping and Visa payWave transactions S$500 0.3% S$1.6

    Redeem Cash Rebate

    Cashback credited to your account will be used to offset your credit card bills.

    Interest Rate

    Type of Interest Charge
    Retail purchases 25.92% p.a.
    Cash advance 28.92% p.a.

    Fees & Charges

    Type of charge Charge
    Overseas Transaction Fee 2.8%
    Late Payment Fee S$100 (for outstanding balance of S$50 and above)
    Cash Advance Fee S$15 or 6% of the drawn amount, whichever is higher

    Activating the Card for Overseas Use

    The magnetic stripe on the back of your credit card remains inactive at all times, until you enable it. The reason is to avoid unauthorised transactions taking place while travelling overseas. If you want to activate the stripe, you can do so through the ways mentioned below:

      1. iBanking
      2. DBS iBanking
      3. Digibank App
      4. Any local DBS ATM

    Once you return to Singapore, you can use the same methods to disable the magnetic stripe on your card and disallow overseas use.

    Eligibility

    To find out if you are eligible, please visit our dedicated DBS credit cards main page for information.

    Cash Withdrawn on Credit Card

    • Withdraw cash from any DBS ATM in Singapore or overseas.
    • Get instant cash by visiting a branch, logging to iBanking or calling the bank.
    • The cash advance is limited to your approved credit limit.
    • No minimum cash withdrawal limit.
    • Maximum cash you can withdraw in a day is S$3,000.

    Note: The credit limit on this card is S$500.

    Lost/Stolen Cards

    • You must immediately notify the bank by calling the customer service.
    • You should file a report and submit the same to the bank along with a letter confirming the loss/theft/misuse of your card.
    • The bank will investigate the situation, thereafter.
    • In case the loss, theft or misuse was not due to your negligence or fault, your maximum liability for unauthorised transactions will be limited to S$100.
    With several credit cards in the market, it is hard to select the right credit card that meets all your criteria. This is when you feel you need a reliable platform which will save your time and effort. Go to our credit card comparison page to pick the best credit card.
    Credit Card Tips

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions?

    Set up GIRO Payments Through Digibank or iBanking
    • Use digibank for partial or minimum sum payments.
    • Use iBanking for full payments.
    • Suspend or change GIRO payments by filling the GIRO Amendment/Termination Form from the DBS site.
    • Cancel your GIRO payments through digibank or Video Teller Machines.

    How to Apply for Live Fresh Student Card & Check the Application Status?

    Online Form/iBanking

    The following are the ways to apply for this card:

    • iBanking
    • At a Singapore DBS branch
    • Online through the bank’s site
    • Using your existing DBS card and its PIN

    You can check your application status through iBanking or Phone Banking.

    How to Check Balance

    iBanking/Phone Banking/SMS/Digibank
    • Through iBanking
    • Through Digibank service.
    • Through Phone banking services.
    • By subscribing to SMS notifications

    How Can the Bill Be Paid

    iBanking/Digibank/GIRO/ATM and Others

    The bill payment modes are listed below:

    • Cheque
    • Digibank
    • iBanking
    • SMS Banking
    • Interbank GIRO
    • Any DBS/POSB ATM
    • Video Teller Machine (VTM)
    • AXS Station, AXS e-Station, AXS m-Station or AXS QuickBill

    How Much is the Minimum Payment to Be Made on the Card

    S$50 or 3% of the Month’s Bill

    The least amount of payment required to prevent defaults on this card is 3% of the bill amount or S$50 whichever is greater. Additionally, you must also pay any overdue amount from your previous bills.

    What Is the Grace Period?

    20 Days

    You will get an interest-free period of 20 days from the date when the statement gets generated.

    Which Mobile Wallets Can This Card Be Used With

    PayNow/PayLah/Apple Pay/Samsung Pay/Google Pay/Android Pay

    Use the following mobile wallets for contactless transactions:

    • PayNow
    • Apple Pay
    • Android Pay
    • Google Pay
    • DBS PayLah!
    • Samsung Pay

    Can It Be Used With EZ-Link

    Yes

    This card is automatically enrolled for EZ-Reload. You must activate the EZ-Reload and use your card for EZ-Link.

    How to Block or Unblock SAFRA Card

    Call 24-hour Hotline

    Block your credit card on DBS’s website or by calling DBS 24-hour Customer Service Hotline. In the same way, you can unblock your card.

    How to Reset the PIN

    Digibank/iBanking/VTMs/Hotline/PIN Request Form

    The following are the various methods to reset your PIN:

    • iBanking.
    • Digibank.
    • Video Teller Machine (VTM).
    • DBS’s 24-hour Customer Service Helpline.

    If your credit card is linked to your DBS savings account, then you can change the PIN by submitting a PIN request form at the bank.

    What Is the Billing Cycle and Bill Due Date

    Can be found on the Monthly Statement
    • The billing cycle is depending on number of business days in a particular month. However, you can request the bank for change of the billing date. You can do it online on the bank’s page.
    • The minimum amount to paid is due within 20 calendar days from the statement generation date.

    How to Get a Replacement Card

    On DBS website/24x7 Hotline

    Get your replacement card on the bank’s website or by calling their 24-hour Customer Service Centre.

    How to Temporarily Increase the Limit of Your Card

    iBanking/Digibank

    Request for a temporary increase in your credit limit by using:

    • iBanking
    • DBS’ digital banking services (digibank)
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